Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Imara: Jurnal Riset Ekonomi Islam
Rizal Rizal
Fakultas Ekonomi dan Bisnis Islam IAIN Batusangkar
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Liquidity Risk Management of Mudharabah Deposit Products At PT. BPRS Al Makmur Ifelda Nengsih; Rizal Rizal
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 8 No 1 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (548.461 KB) | DOI: 10.36908/isbank.v8i1.430

Abstract

Abstract This research aims to uncover the risk management and management system carried out by PT. BPR Syariah Al-Makmur against mudharabah deposit products. This type of research is qualitative with descriptive methods. Data is collected through interviews and documentation to get an overview of the research. This study found that deposits became a superior product because deposits could take funds even if they were not due and were not subject to fines (penalties). To avoid liquidity risks due to withdrawal of funds before maturity, management develops various strategies. The liquidity risk management strategy developed in sequence is through a persuasive approach, namely by giving ababa, requesting 1 to 3 days if the funds are insufficient and providing facilities for the delivery of funds to the customer's residence. The preventive strategy of handling liquidity risk is to predict the needs of funds by carrying out daily monitoring of funds so that the stock of funds is carried out, also through the asset liquidity approach and repressive approach. Become a new model of deposit management carried out by PT. BPR Syariah Al-Makmur because no other financial institution has done anything like this. This model proved to be the largest source of funds compared to ordinary savings from 2012 to 2018. Although the number of deposits has decreased from 2017 to 2019. Even in 2019 the number of deposits is lower than ordinary savings, but this is an interesting thing to study further why this can happen.
DAMPAK PANDEMI COVID-19 TERHADAP PEREKONOMIAN MASYARAKAT DI SEKTOR INFORMAL Rizal Fahlefi; Shofian Ahmad; Rizal Rizal
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 2 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i2.2379

Abstract

Pandemic Covid-19 has greater impact on people’s lives in all aspects, including economy. The large-scale social restriction policy (PSBB) implemented by the government has restricted the movement of people from one place to another. Then it is suggested to work from home, study from home, or shop from home. As a result, informal sector businesses particularly transportation sub-sector. This research aims to see the impact of Covid-19 pandemic on the economy of people who work in the informal sector, especially the transportation sub-sector. This research was conducted in Tanah Datar Regency, West Sumatra Province in the second quarter of 2020. The population was public transportation workers and sample was minibus taxi drivers or motor taxi bikers. The data collected through a questionnaire, presented in table form and analyzed descriptively by using statistics. The results show Pandemic Covid-19 affect their income. The income of workers in this subsector decreased by 56% so that some workers chose to leave this job or switch to other jobs. This condition results in unfulfilled household needs, so they have to use existing savings, do savings, and rely on special assistance in handling Covid-19, even some wives have also had to work to help the family economy.
Co-Authors Ifelda Nengsih Rizal Fahlefi Shofian Ahmad